Checking Accounts

Banking needs differ from one customer to the next. That’s why we offer four different personal checking account programs, each designed to make banking easier, help you manage your money more efficiently, and keep your finances right in step with the way you live.

With flexible options and a wide variety of features, there’s a perfect account for you, or any member of your family. Open a new personal checking account in minutes online or at a convenient Vinton County National Bank (VCNB) location near you.

All accounts include the following benefits:

checkmark Online/Mobile BankingNo Fee for Electronic StatementsFree Debit Card32,000+ Surcharge-Free ATMs

overview	Classic Checking	Rewards Checking	Checking My Way	Student Checking My Way
	Earn interest on your balances over $250 with a Classic Checking account. Bank online or in personal and take advantage of a long list of additional account features that make banking a breeze. Learn more Open Now	Make your money work a little harder for you. With a Rewards Checking account, you can earn points for every purchase using your debit card. Redeem your points for cash, gift cards, merchandise and more. Learn more Open Now	Need flexibility and choice in your personal checking account? Checking My Way gives you all that plus easy access to your money, a variety of online banking options, and the freedom to manage your money your way. Learn more Open Now	With a Student Checking My Way account ⁴, teens from 14 to 17 can start managing their own money and enjoy the benefits that come from good money management. Our student checking account will help them get there. Learn more Open Now
Account Alerts
No monthly service charge ³
No minimum balance requirements
Electronic statements ¹
Overdraft protection
Free printed checks (for customers 55 and older)
Savings transfer service ²
$5 annual fee for personal or scenic photos. $10 annual fee for school logos
Earn Rewards Points

Classic Checking
Earn interest on your balances over $250 with a Classic Checking account. Bank online or in personal and take advantage of a long list of additional account features that make banking a breeze. Learn more Open Now
Account Alerts
No monthly service charge ³
No minimum balance requirements
Electronic statements ¹
Overdraft protection
Free printed checks (for customers 55 and older)
Savings transfer service ²
$5 annual fee for personal or scenic photos. $10 annual fee for school logos
Earn Rewards Points

Rewards Checking
Make your money work a little harder for you. With a Rewards Checking account, you can earn points for every purchase using your debit card. Redeem your points for cash, gift cards, merchandise and more. Learn more Open Now
Account Alerts
No monthly service charge ³
No minimum balance requirements
Electronic statements ¹
Overdraft protection
Free printed checks (for customers 55 and older)
Savings transfer service ²
$5 annual fee for personal or scenic photos. $10 annual fee for school logos
Earn Rewards Points

Checking My Way
Need flexibility and choice in your personal checking account? Checking My Way gives you all that plus easy access to your money, a variety of online banking options, and the freedom to manage your money your way. Learn more Open Now
Account Alerts
No monthly service charge ³
No minimum balance requirements
Electronic statements ¹
Overdraft protection
Free printed checks (for customers 55 and older)
Savings transfer service ²
$5 annual fee for personal or scenic photos. $10 annual fee for school logos
Earn Rewards Points

Student Checking My Way
With a Student Checking My Way account ⁴, teens from 14 to 17 can start managing their own money and enjoy the benefits that come from good money management. Our student checking account will help them get there. Learn more Open Now
Account Alerts
No monthly service charge ³
No minimum balance requirements
Electronic statements ¹
Overdraft protection
Free printed checks (for customers 55 and older)
Savings transfer service ²
$5 annual fee for personal or scenic photos. $10 annual fee for school logos
Earn Rewards Points

Disclosures:
1. $3.00 fee for paper statements without check images and $5.00 fee for paper statements with check images
2. The savings transfer service deposits money from your savings to your checking in increments of $50 in the event of an overdraft.
3. The Classic Checking Account has a $10 monthly service charge which will be imposed when combined deposit relationship balances fall below $4,500.
The Rewards Checking Account has a monthly service charge of $7 which will be imposed each statement cycle. To receive a $7 credit to the account each statement cycle for the monthly service charge, you must do ONE of the following: Complete 15 or more debit card transactions per statement cycle (Signature or PIN based) OR Maintain a combined monthly total deposit relationship of ≥ $5,000 (Checking, Money Markets, CDs and Savings) (Excludes all business accounts and IOLTA accounts). A monthly fee of $5.00 will be charged if you elect to receive paper statements.
4. Parent or guardian must be made joint owner of the account if student is under the age of 18.

Digital Banking

Leading Technology, Local Support

VCNB provides you with the leading technology you need to do your everyday banking. Technology like mobile banking and mobile deposit, best in class bill pay and customized account alerts. We even have Zelle® so you can send and receive money with friends and family.

Learn more

Login to Your Account

Checking Accounts

All accounts include the following benefits:

Digital Banking

Leading Technology, Local Support